Systems And Methods For High Fidelity Multi-Modal Out-Of-Band Biometric Authentication With Human Cross-Checking

ABSTRACT

Systems and methods for high fidelity multi-modal out-of-band biometric authentication with cross-checking are disclosed. According to one embodiment, a method for integrated biometric authentication may include (1) receiving, from a user, biometric data; (2) at least one computer processor performing machine-based biometric matching on the biometric data; (3) the at least one computer processor determining that human identity confirmation is necessary; (4) the at least one computer processor processing the biometric data; (5) the at least one computer processor identifying at least one contact for human identity confirmation; (6) the at least one computer processor sending at least a portion of the processed biometric data for the user to the at least one contact; (7) receiving, from the at least one contact, human confirmation information; and (8) the at least one computer processor authenticating the user based on the machine-based biometric matching and the human confirmation information.

RELATED APPLICATIONS

This patent application is a continuation in part of U.S. patentapplication Ser. No. 13/908,618, filed Jun. 3, 2013. It also claimspriority to U.S. Provisional Patent Application Ser. No. 61/860,475,filed Jul. 31, 2013, U.S. Provisional Patent Application Ser. No.61/820,917, filed May 8, 2013, and U.S. Provisional Patent ApplicationSer. No. 61/823,669, filed May 15, 2013. It is also related to U.S.patent application Ser. No. 13/940,799, filed Jul. 12, 2013 and U.S.Provisional Patent Application Ser. No. 61/844,097, filed Jul. 9, 2013.The disclosure of each of these patent applications is herebyincorporated, by reference, in its entirety.

BACKGROUND OF THE INVENTION

1. Field of the Invention

The present invention generally relates to biometric authentication and,more particularly, to systems and methods for high fidelity multi-modalout-of-band biometric authentication with human cross-checking.

2. Description of the Related Art

To access a company network or website, users generally enter a username and password. A similar approach may be used when a user attemptsto access an on-line account that the user may have with, for example, afinancial institution, service/utility provider, etc.

SUMMARY OF THE INVENTION

Systems and methods for high fidelity multi-modal out-of-band biometricauthentication with cross-checking are disclosed.

According to one embodiment, a method for integrated biometricauthentication is disclosed. The method may include (1) receiving, froma user, biometric data; (2) at least one computer processor performingmachine-based biometric matching on the biometric data; (3) the at leastone computer processor determining that human identity confirmation isnecessary; (4) the at least one computer processor processing thebiometric data; (5) the at least one computer processor identifying atleast one contact for human identity confirmation; (6) the at least onecomputer processor sending at least a portion of the processed biometricdata for the user to the at least one contact; (7) receiving, from theat least one contact, human confirmation information; and (8) the atleast one computer processor authenticating the user based on themachine-based biometric matching and the human confirmation information.

In one embodiment, the machine-based biometric matching may include theat least one computer processor using at least one algorithm to comparethe biometric data to a stored biometric profile for the user.

In one embodiment, the step of determining that human identityconfirmation is necessary may include the at least one computerprocessor determining a reliability of at least one algorithm incomparing the biometric data to a stored biometric profile of the user;and the at least one computer processor initiating human identityconfirmation in response to the reliability of at least one algorithmbeing below a predetermined threshold.

In another embodiment, the step of determining that human identityconfirmation is necessary may include: the at least one computerprocessor determining the risk or value of a transaction associated withthe authentication; and the at least one computer processor initiatinghuman identity confirmation in response to the risk or value being abovea predetermined threshold.

In one embodiment, the step of determining that human identityconfirmation is necessary may include the at least one computerprocessor determining the presence of an anomaly in the biometric data.

In one embodiment, the step of processing the biometric data may includethe at least one computer processor removing background data from thebiometric data.

In another embodiment, the step of processing the biometric data mayinclude the at least one computer processor removing background noisefrom the biometric data.

In another embodiment, the step of processing the biometric data mayinclude the at least one computer processor removing non-biometric datafrom the biometric data.

In another embodiment, the step of processing the biometric data mayinclude the at least one computer processor generating at least onesnippet from the biometric data.

In one embodiment, the at least one snippet comprises biometric datafrom a portion of the user's face, biometric data from a portion of avoice submission from the user, etc.

In another embodiment, the at least one snippet is generated based on atleast one machine-created marker flag.

In another embodiment, the step of identifying at least one contact forhuman identity confirmation may include the at least one computerprocessor retrieving a confirmation list for the user, the contact listcomprising an identity and contact information for contacts known to theuser.

In one embodiment, the confirmation list may be automatically generatedbased on connectivity information for the user.

In one embodiment, each individual on the confirmation list may beassociated with a connectivity score based on the contact's connectionwith the user.

In another embodiment, each contact on the confirmation list may befurther associated with a confidence factor based on the individual'shistory of confirmation.

In one embodiment, the step of receiving, from the at least one contact,human confirmation information may include receiving a response and aresponse confidence level from the contact.

In one embodiment, the step of authenticating the user based on themachine-based biometric matching and the human confirmation informationmay include the at least one computer processor weighting each responsebased on at least one of a connectivity score for the contact and theresponse confidence level.

A method for factoring in determining a weighting to give to a biometricauthentication process is disclosed. According to one embodiment, themethod may include (1) retrieving historical data related to a detectiontechnique used to detect fraudulent access attempts using biometric datafor a modality; (2) at least one computer processor determining aneffectiveness of the detection technique; and (3) at least one computerprocessor generating a weighting factor for the modality.

In one embodiment, the historical data may include experimental data.

In one embodiment, the detection technique may be a machine-baseddetection technique.

In one embodiment, the detection technique may be a human-baseddetection technique.

A method for multi-party authentication is disclosed. According to oneembodiment, the method may include (1) receiving, from a first party, arequest for authentication and first party biometric data; (2) at leastone computer processor machine authenticating the first party using thefirst party biometric data; (3) receiving, from a second party, arequest for authentication and second party biometric data; (4) the atleast one computer processor machine authenticating the second partyusing the second party biometric data; (5) the at least one computerprocessor processing the first party biometric data; (6) the at leastone computer processor sending at least a portion of the processed firstparty biometric data to the second party; (7) receiving, from the secondparty, second party confirmation information for the first party; and(8) the at least one computer processor authenticating the first partybased on the machine authentication of the first party and the secondparty confirmation information for the first party.

In one embodiment, the method may further include receiving, from athird party, a request for authentication and third party biometricdata; the at least one computer processor machine authenticating thethird party using the second party third data; the at least one computerprocessor processing the second party biometric data; the at least onecomputer processor sending at least a portion of the processed secondparty biometric data to the third party; receiving, from the thirdparty, third party confirmation information for the second party; andthe at least one computer processor authenticating the second partybased on the machine authentication of the second party and the thirdparty confirmation information for the second party.

In one embodiment, the method may further include: the at least onecomputer processor sending at least a portion of the processed secondparty biometric data to a fourth party; receiving, from the fourthparty, fourth party confirmation information for the second party; andthe at least one computer processor further authenticating the secondparty based on the machine authentication of the second party and thefourth party confirmation information for the second party.

According to one embodiment, systems and methods that incorporate humanand computer verification for biometrics authentication session aredisclosed.

According to one embodiment, the method may include the generation ofsnippets out of biometrics authentication sessions based on humancognitive capabilities.

According to one embodiment, a technique that may identify a customlength of snippet for modality and authentication session is disclosed.

According to one embodiment, a technique that may determine number andconnectivity scores in the confirmation list to send the snippets to isdisclosed. According to one embodiment, a technique that may determinewhich snippet to send to whom based on their game scores is disclosed.

According to one embodiment, privacy filtering of snippets for humanverification is disclosed.

According to one embodiment, connectivity-weight based distribution ofsnippets to known/unknown parties is disclosed.

According to one embodiment, a graph database system that stores andmaintains a confirmation list with connectivity, verification profilesof users is disclosed.

According to one embodiment, mobile/personal/desktop widget basedreal-time distribution and response collection of snippets is disclosed.

According to one embodiment, connectivity and confidence score basedevaluation of received responses is disclosed.

According to one embodiment, a technique to calculate connectivityconfidence scores of human reviewers based on geolocation, work/personalconnectivity, authentication history, currency of connection, etc. isdisclosed.

According to one embodiment, the calculation of overall confidence andspoof risk scores for authentication session based on human and computerpaths is disclosed.

According to one embodiment, “gamification” interfaces for thedistribution and evaluation of biometrics session data are disclosed.

According to one embodiment, gamification-based rankings of successrates for human verifies for spoof identification are disclosed.

According to one embodiment, point collection for identifying spoofsthrough gamification interface is disclosed.

According to one embodiment, confidence checking techniques based ongamification and ranking scores are disclosed.

According to one embodiment, the identification of common potentialspoof markers based on confidence scores and comments from respondersthrough gamification interface is disclosed.

According to one embodiment, techniques to analyze spoofing risk factorsfor human and machine biometrics authentication paths for individualmodalities and markers are disclosed.

According to one embodiment, techniques to merge confidence scores fromhuman and machine-based biometrics authentication paths are disclosed.

According to one embodiment, techniques to cross verify chain of usersin authentication path for high security applications are disclosed.

According to one embodiment, circular verification of biometrics withexternal reviewers is disclosed.

BRIEF DESCRIPTION OF THE DRAWINGS

For a more complete understanding of the present invention, the objectsand advantages thereof, reference is now made to the followingdescriptions taken in connection with the accompanying drawings inwhich:

FIG. 1 is a block diagram of a system for high fidelity multi-modalout-of-band biometric authentication according to one embodiment;

FIG. 2 is a flowchart depicting a method for high fidelity multi-modalout-of-band biometric authentication according to one embodiment;

FIG. 3 is a flowchart depicting a method of authentication using touchand face recognition according to one embodiment;

FIG. 4 depicts an example of a facial image with markers according toone embodiment;

FIGS. 5A and 5B depict examples of tracing on facial images according toembodiments;

FIG. 6 depicts an example of the entry of a signature on a facial imageaccording to one embodiment;

FIG. 7 is a flowchart depicting a method of authenticating a mobileapplication using biometrics according to one embodiment;

FIG. 8 is a flowchart depicting a method of authenticating a transactionusing biometrics according to one embodiment;

FIG. 9 is a flowchart depicting a composite biometric capture processaccording to one embodiment;

FIG. 10 is a flowchart depicting an authentication process formulti-user composite biometrics according to one embodiment;

FIG. 11 is a flowchart depicting an interactive biometric captureprocess according to one embodiment;

FIG. 12 is a flowchart depicting an authentication process involvingintegrated biometrics according to one embodiment;

FIG. 13 is a flowchart depicting an exemplary iris capture methodaccording to one embodiment;

FIG. 14 is a flowchart depicting a method for multi-modal out-of-bandbiometric authentication through fused cross-checking techniqueaccording to one embodiment;

FIG. 15 is a flowchart depicting a method for multi-modal out-of-bandbiometric authentication through fused cross-checking techniqueaccording to another embodiment;

FIG. 16 is a flowchart depicting a method of weighing potential spooftechniques according to one embodiment;

FIG. 17 is a graphical representation of a method for multi-modalout-of-band biometric authentication through fused cross-checkingtechnique according to another embodiment;

FIG. 18 is a graphical representation of a method for multi-modalout-of-band biometric authentication through fused cross-checkingtechnique according to another embodiment;

FIG. 19 depicts a process flow of a high-risk transaction biometricscross-checking process according to one embodiment; and

FIGS. 20A and 20B are graphical representations of aspects of a processflow of a high-risk transaction biometrics cross-checking processaccording to one embodiment.

DETAILED DESCRIPTION OF PREFERRED EMBODIMENTS

Several embodiments of the present invention and their advantages may beunderstood by referring to FIGS. 1-20, wherein like reference numeralsrefer to like elements.

Embodiments of the invention relate to a biometrics authenticationprocess. This authentication may be used, for example, if a user seeksto access a network, to sign-in to an account, to authorize a certaintransaction (e.g., a high risk/value transaction), to authorize accessto a computer application, such as a mobile application, a computerprogram, etc. In one embodiment, a mobile device may be used toauthenticate a user's access to an account on a desktop computer. Forexample, a code, such as a QR code, may be displayed on the screen ofthe desktop computer on which the user is seeking to access an account,conduct a transaction, etc. Using the user's registered mobile device,the user may “simultaneously” (i.e., within a predetermined short timeperiod, such as 5 seconds) scan the QR code with the front-facingcamera, take an image of the user's face, facial features (e.g., eyes,irises, etc.) with the rear-facing camera, and speak a verbal passwordfor the microphone. The server may authenticate the user based on allthree entries (e.g., code, facial image, voice biometric, etc.).

Other biometrics, such as iris recognition (using the rear-facingcamera), finger print, retinal scan, DNA sample, palm print, handgeometry, odor/scent, gait, etc. may be used. In one embodiment,infrared cameras may be used to capture a user's thermal signature.

To authenticate a user using a mobile device in the absence of adesktop, a QR code may not be used. Facial recognition and a biometric,however, may still be entered “simultaneously.” Other inputs, includinggestures, touch patterns, etc. may be used as necessary and/or desired.

During the voice registration process, the server may record phrases,words, etc. These phrases may be used as recorded, or the wordscontained therein may be interchangeable. The system may account forvariations in pronunciation based on the location of each word in thephrase.

Behavioral characteristics, such as the angle at which the user holdsthe mobile device, the distance from the user's face when taking animage, etc. may also be captured and used for authentication.

The server may also provide time stamping/geostamping to the phrase,such as having the user speak the current date/time, the user'slocation, an answer to a prompt provided by the mobile device, etc. TheGPS location and server date/time may also be appended to theauthorization request. This may not only be useful in the authorizationprocess, but may also be useful in reducing fraudulent false claims.

Several biometrics may be combined into a single composite or integratedbiometric. For example, a user may register several full biometrics(e.g., voice, finger print, signature, etc.) that may be combined intoan integrated biometric, or the user may register an integratedbiometric that is generated at the mobile device.

In another embodiment, an integrated biometric may not include a fullbiometric, but rather portions of several biometrics. When the userprovides the biometric samples, only an integrate biometric may betransmitted for authentication. This may be used if limited bandwidth isavailable, or if the transmission of a full biometric is prohibited.

In certain environments, such as noisy environments, it may be difficultto accurately capture a voice sample for authentication. Alternatively,a user may not wish to provide a voice entry in public, or additionalverification for a specific transaction, etc. Thus, other authenticationmethods, such as tracing a pattern over, for example, the image (live orstatic) of a user's face, highlighted portions of the user's face, usinggestures such as blinking, touching lips, eyes, ears, etc. may be used.The user may also be presented with a signature space, the location andorientation of which may vary to prevent machine-generated signatures.The speed, pressure, etc. applied during the signature process may becaptured as well to assist in authentication.

A user's profile may also identify delegates who may be able toauthenticate the user if the user is unable to authenticate him orherself (e.g., the user has laryngitis or other ailment) or a biometricsmatch falls below a predetermined threshold. The delegate may also berequired to be a registered user, and may have to authenticate him orherself before authenticating the user.

Referring to FIG. 1, a block diagram of a system for high fidelitymulti-modal out-of-band biometric authentication according to oneembodiment is provided. System 100 includes workstation 110, which maybe any suitable computer, including for example, desktop computers,laptop computers, notebook computers, etc.

System 100 may further include mobile electronic device 120. In oneembodiment, mobile electronic device 120 may be a smartphone (e.g.,Apple iPhone, Samsung Galaxy, etc.), a tablet computer (e.g., AppleiPad, Samsung Galaxy, Amazon Kindle, Barnes & Noble Nook Tablet, etc.),Google Glass, Smart E-watch/Bracelet, etc. In one embodiment, mobileelectronic device 120 may include at least one camera for capturing amachine readable code (e.g., a bar code, QR code, etc.), a microphone,and a speaker. In one embodiment, mobile device 120 may include afront-facing camera and a rear-facing camera.

In one embodiment, system 100 may include screen 130 that may be part ofan access control system for a secure area. Screen 130 may be part of anaccess control system that may be provided at the exterior of a securearea.

System 100 may include server 150. In one embodiment, server 150 mayhost an application that may be used to authenticate a user. Althoughonly one server is depicted in FIG. 1, more than one server may beprovided. For example, a server for biometric authentication may beprovided, a server for facial recognition may be provided, etc.

Database 180 may receive, store and/or maintain user information,account information, biometric information, etc.

Workstation 110, mobile electronic device 120 and screen 130 maycommunicate with server 150 over any suitable network, including theInternet, a local area network, wide area network, virtual privatenetwork, etc. In one embodiment, workstation 110 and mobile electronicdevice 120 and/or screen 130 may communicate with each other using anysuitable communication protocol, including WiFi, Bluetooth, Near FieldCommunication, etc.

Referring to FIG. 2, a method for high fidelity multi-modal out-of-bandbiometric authentication according to one embodiment is provided.

In step 210, the user may access a website. In one embodiment, thewebsite may require the user to provide credentials before the user isgranted access to the site.

In one embodiment, the user may access the website on a workstation, ona mobile device, on an access panel outside a secure area, etc. Forconvenience, embodiments will be described in the context of a“workstation,” It should be appreciated, however, that this termencompasses desktop computers, notebook computers, laptop computers,access panels, etc.

The website may be any website that maintains an account for the user.For example, the website may be a company website that may require theuser to log in. In another embodiment, the website may be for afinancial institution with which the user has an account. In anotherembodiment, the website may be for a medical facility. The website maybe used for any suitable business or organization as necessary and/orrequired.

In another embodiment, the website may be part of an organization'sintranet or local area network.

In still another embodiment, the user may launch an authenticationcomputer program or application, such as a mobile application on amobile device.

For simplicity, the terms “computer program” and “mobile application”will be used interchangeably.

In step 220, the workstation may present the user with a code on thewebsite. In one embodiment, the code may include a unique identifierthat may link a browser session, access session, etc. to the user.

In one embodiment, the code may be a machine-readable code, such as a QRcode, a bar code, an image, characters, etc. Any suitable code may beused as necessary and/or desired.

In one embodiment, the code may be provided on other devices that haveaccess to the network, including other mobile devices, computers,tablets, televisions, monitors, etc. In one embodiment, the device thatprovides the code may be a “trusted” device (e.g., a registered device).

In one embodiment, the code may be provided as a RFID code, an audiblecode, an infrared code, etc.

In one embodiment, the code may be provided instead of a “traditional”log-in screen (e.g., enter a user name and password). In anotherembodiment, the code may be provided in addition to the traditionallog-in information.

In another embodiment, the user may be presented with the code undercertain circumstances. For example, the user may periodically berequired to authenticate using the code. This may be done weekly,monthly, bi-weekly, whenever the user changes passwords, etc.

In another embodiment, the user may be required to provideauthentication when he or she attempts to conduct a transaction with arisk level or value level above a predetermined threshold. For example,if the user attempts to transfer $5,000 from his or her account, theuser may be required to provide additional authentication. As anotherexample, if the user attempts to access an area of the website thatrequires additional security, the user may be required to provideadditional authentication.

In one embodiment, the workstation may also provide data to the server.For example, the workstation may provide the session ID, user ID, and abiometrics to the server.

In step 230, if the user has not already accessed a computer program ormobile application, the user may access a mobile application on a mobiledevice. In one embodiment, the mobile application may provide aninterface to receive the code and, for example, receive at least oneimage of the user and receive a biometric from the user.

In one embodiment, the user may be required to register the mobiledevice with the server before the mobile application may be used. Inanother embodiment, the mobile application may be accessed when the codeis received. In still another embodiment, the mobile application may bea mobile website accessed on the mobile device.

In another embodiment, the server may push an invitation by, forexample, email, text, etc. to a registered mobile device. The invitationmay include a link for the user to access an on-line authenticationwebsite, a link to download a mobile application, etc.

In step 240, the user may provide the required data to the mobiledevice. In one embodiment, the user may first input the code, and thenwill have a predetermined amount of time to provide at least oneadditional data entry. For example, the user may have 5 seconds to takeat least one image of the user's face, and to speak a letter, word,phrase, number, etc. for the mobile device to record.

In one embodiment, three data inputs may be required. The first datainput may be the code, the second input may be an image of at least aportion of the user, and the third input may be a biometric of the user.

In one embodiment, the three inputs may be received using threedifferent input devices on the mobile device. For example, the user mayuse the front-facing camera to scan the code, the rear-facing camera totake at least one image of the user while the microphone receives thevoice data from the user. In another embodiment, a touch screen on themobile device may be used to receive a touch-based biometric (e.g., afingerprint) from the user. In still another embodiment, gyroscopes andother devices on the mobile device may be used to detect an angle of themobile device when taking an image of the user, etc.

In one embodiment, after receiving the code, the mobile device maydecode the code to access the unique identifier or other informationthat may be encoded in the code.

In one embodiment, if a voice biometric is captured, the mobile devicemay display the letters, numbers, words, phrases, etc. that the user isto speak. In one embodiment, an image may be provided, and the user maybe prompted to speak the name of the object (e.g., a dog is displayedand the user says “dog.”).

In one embodiment, the user may be requested to provide a variableresponse as part of the voice response, where “variable” means aresponse that differs from what has been trained or recorded. Forexample, the user may register certain words or phrases with the server.During authentication, however, the user may be asked to repeat words orphrases that differ from those that were registered. The server mayanalyze the entered voice and determine if the spoken voice matches theregistered voice and expected/predicted behavior.

In one embodiment, the user may be prompted to speak a “secret” phraseor password/passcode. In one embodiment, the user may be requested touse the secret phrase in a sentence. For example, if the user's passcodeis “fat cat,” the user may say “I just saw a fat cat walk down thestreet.” In another embodiment, the user may be prompted to give verbalcommands (e.g., “I'd like to log in to my account”) to the systems as apart of the voice authentication. This information may then be used tocross check if the actions are consistent with verbal commands. Inaddition such natural language provides improved user experience.

In one embodiment, multiple, interchangeable words, numbers, phrases,etc. may be provided. In another embodiment, multiple passphrases may beextracted using training data set and may be rotated. For example, fivedifferent passphrases may be rotated, and two custom passphrases may becreated based on trained data. The word “voice” is in the trained setused in combination with others for other custom phrases. In oneembodiment, a combination and/or fusion of the previously describedmodalities may be used to match the speed/user experiencecharacteristics, security levels, environmental conditions throughmachine learning techniques.

In another embodiment, for words that are not trained, the system mayapply predictive-based techniques. Thus, if the user says “My voice ismy password” instead of “My voice is my passphrase,” the system candetermine whether the word “password” meets the user's speechcharacteristics.

In still another embodiment, additional information to be provided ormay be selected by the server. For example, the server may request atime stamp (e.g., date/time), a geo-stamp (e.g., the mobile device'slocation), a corporate/function stamp, an answer to server promptedquestion, etc. For example, the user may be requested to state the date,user's location, name of the user's employer, temperature, weather,stock quote, etc. The required additional information may be selectedrandomly, thereby decreasing the likelihood of an imposter being able tosuccessfully use a recording.

In one embodiment, if the user does not complete the entry within apredetermined time, the entry process may stop. In one embodiment, theuser may be given a limited number of attempts (e.g., 2 attempts) toenter data before a new code is required, an alternate logon isprovided, etc. In another embodiment, after a predetermined number ofunsuccessful logon attempts, the account may be locked or access may beotherwise restricted.

In step 250, the mobile device may provide the data to the server forverification. In one embodiment, each input (e.g., code, images, voicesample, etc.) may be provided to the server separately. In anotherembodiment, two or more of the inputs may be combined as to form anintegrated sample.

Additional data may also be captured and provided to the server. Forexample, behavioral biometrics, such as the position (e.g., angle,distance from the face, etc.) that the user holds the mobile device maybe determined. In another embodiment, characteristics of the user'sspeech (e.g., number of words/minute, intonation, etc.) may bedetermined. The GPS location of the mobile device may be provided. Thetime that the user took to enter all data may also be provided. In oneembodiment, this data may be compared against previously-collected datato identify anomalies, outliers, etc., that may indicate fraud. In oneembodiment, this data may be stored and future accesses may be comparedagainst this data.

In step 260, the server may review the received data and authenticatethe user, or decline access to the user. In one embodiment, anybiometrics authentication may be performed by a biometrics server.

In one embodiment, the server may check with organization policies tomake sure that use of biometric authentication is approved for grantingaccess, authorizing a transaction, that the user is authorized based onthe user's role to authorize the transaction, etc.

In one embodiment, the code may be verified. In one embodiment, this mayinclude verifying the data in the code, checking the time that it tookfrom the code being provided to the user to the completion of the dataentry, etc. In one embodiment, session data from the code may bevalidated and/or verified.

In one embodiment, the voice data may be reviewed to see if it isconsistent with stored voice data. Examples of suitablecommercially-available voice authentication software include VoiceVaultFusion by VoiceVault, VoiceVerified by CSID, VocalPassword™ andFreeSpeech™ from Nuance.

In one embodiment, variations in the voice sample may be consideredbased on the location of a word, number, letter, etc. in a phase that isspoken. For example, a user may speak a word differently depending onwhere the word is located in a phrase (e.g., beginning versus end), thewords that is spoken before/after, etc. Thus, if the word is not in thesame spot as in the registration sample, some variation may be expected.

In step 270, if the user is authenticated, the server may allow the userto access the account, webpage, secure area, authorize the transaction,etc. In one embodiment, the server may allow the user to bypass thetraditional user name and password log-in. In another embodiment, theuser may still provide the traditional login information.

In one embodiment, the data received may be stored in a database if itwas successful, if it was unsuccessful, or both. Successful data may beused to refine the voice biometric data, face recognition data, etc. forfuture access. It may also be used to identify repeated attempts toaccess an account, and may be provided to the authorities as necessary.

In step 280, access may be granted to the workstation, mobile device,etc. In one embodiment, an application on the workstation, mobiledevice, etc. may periodically poll the server for authorization.

Modifications may be made in situations where the entry of a voicebiometric may not be appropriate, may be undesirable, or may not bepossible. For example, a user may be in a noisy environment, in ameeting, etc. or may not feel comfortable speaking his or her passphraseout loud. Thus, image/video-based authentication, such as facialrecognition, may be used.

In another embodiment, modifications may be made when additionalauthentication is required for certain transactions.

For example, in one embodiment, the user may make at least one gestureduring the image capture. For example, the user may touch or move his orher eyes, ears, nose, lips, or any other location that has beenpreselected by the user. In another embodiment, the user may beinstructed to touch a certain point of his or her face by the mobiledevice. In another embodiment, the user may blink, wink a predeterminednumber of times, in a predetermined pattern, etc., make facial gestures(e.g., smile, frown, etc.). This real-time instruction may be used toreduce the possibility of an imposter capturing an image of a picture ofthe user.

In another embodiment, the user may touch or indicate at least oneelement or area on the captured image. For example, after image capture,the image may be displayed to the user with regions on the face beinghighlighted or otherwise indicated. The regions may be color coded bythe face recognition algorithm. The user may select at least one region,trace a trail among several regions, etc.

In another embodiment, markers (e.g., dots or a similar indicator) maybe provided on the image of the user, and the user may be requested totrace a registered pattern among the markers. In one embodiment, theuser may be requested to trace a pattern over a live image/video ofhimself or herself in real-time.

In another embodiment, the user may sign his or her name on the screenwhile the front-facing camera captures an image or video of the usersigning. In another embodiment, the user may sign a space that may berandomly located on an image of the user's face.

In still another embodiment, behavioral profiles may be considered. Forexample, a detailed profile of user behavior including markers such asthe distance from the mobile device to the user's face, thedirection/angle of the mobile device, background images, light/noiselevels, etc. may be considered. In one embodiment, if the anomaly exists(e.g., the mobile device is much further from the face than any otherprior validation, etc.) the authentication attempt may be denied.

In another embodiment, a physical gesture password may be used. Forexample, after an image is captured, the user may be presented with theimage of the face with markers superimposed thereon. In one embodiment,the markers may be based on characteristics of the user's face (e.g.,structure, location of features, etc.). In one embodiment the user mayselectively zoom in/out of regions using, for example, touch-screenfeatures to create alternative images/distortions of the image that maybe sent to the server for authentication.

In one embodiment, the markers may be specifically created by the facerecognition algorithm. As such, the markers are biometricallysignificant/specific to the user. The position of the markers may changebased on the captured image of the user on the device screen, which isaffected by the distance between the device/face, angle/tilt of theface, direction of the camera, etc.

In another embodiment, the markers may be positioned in an array. Anysuitable relationship between the markers and the face, including norelationship, may be used as necessary and/or desired.

In another embodiment, the user may touch at least one area of theuser's face (e.g., ears, nose, chin, or biometric marker highlightedarea, etc.), may blink a certain number of times, may make lipmovements, expressions, etc., without blinking, etc.

Referring to FIG. 3, a method of authentication using touch and facerecognition is provided. In step 310, the user may initiate biometricauthentication on the user's mobile device.

In step 320, the server may sense a high level of background noise,thereby making voice-based authentication more difficult, undesirable,etc. In another embodiment, the user may determine that he or she doesnot wish to use voice-based authentication. In still another embodiment,the server may require additional authentication from the user.

In step 330, touch-based authentication may be initiated. In oneembodiment, touch-based authentication may involve the user touching acaptured image of himself or herself in at least one place, in apattern, etc. In another embodiment, touch-based authentication mayinvolve the user signing an area on the captured image. In still anotherembodiment, touch-based authentication may involve the user making agesture by touching or otherwise indicating at least one area of theuser's face during image capture.

In step 340, the mobile device may capture at least one image of theuser. In one embodiment, the mobile device may capture a video of theuser.

In one embodiment, a detailed profile may be acquired. For example, thedevice may capture background noise level/profile, lighting profile, GPSlocation of the mobile device, background image, etc. for anomalydetection.

In one embodiment, if gestures are used, the user may touch/indicate atleast one area of the user's face during image capture.

In step 350, the mobile device may present an image of the user on thescreen of the mobile device. In one embodiment, markers may besuperimposed over the image of the face. In one embodiment, the locationof the markers may be based on the features of the user's face. Forexample, markers may be provided at the corners of the user's eyes,center of the eyes, eye brows, corners of the mouth, nose, cheeks, etc.An example of such markers are provided in FIG. 4.

In another embodiment, the markers may be positioned independent of thefacial features, and may present an array (e.g., a 4 by 4 array) or anyrandom structure as necessary and/or desired.

In another embodiment, the user may be presented with an area to enterthe user's signature on the image. In one embodiment, the size,location, and/or orientation of the signature area may vary so as toreduce the likelihood of imposters, robo-signatures, etc. In oneembodiment, the speed of the signature, the pressure, and other signingcharacteristics may be captured and considered.

In one embodiment, the signature is required to fit a custom area markedby biometrics markers (i.e., aspect ratio, angle/tilt, size and otheraspects of the signature have to be adjusted). This makes the processsignificantly difficult for imposters with previously captured signatureprofiles or cases where the imposter mimics signature manually.

In another embodiment, a signature space is not provided for the user onthe image. Instead, the user pre-selects the markers that indicate thesignature space, and enters his or her signature within that space.Thus, if the user does not know the markers, he or she will be unlikelyto enter the signature in the proper area.

In step 360, the user may be prompted to provide the touch-basedauthentication. In one embodiment, if the user has multiple touchlocations and/or patterns, the user may be reminded of the touch/patternto enter.

In step 370, the user may provide the touch-based entry. For example,the user may touch at least one area of the face, at least one marker,etc. In another embodiment, the user may trace a pattern among themarkers, areas, etc. Any suitable entry may be provided as necessaryand/or desired.

An example of tracing from marker to marker is provided in FIG. 5A,while an example of tracing from different areas is provided in FIG. 5B.

An example of a user entering a signature is provided in FIG. 6.

In step 380, the image and the touch-based data may be provided to theserver, and, in step 390, the server may authenticate or deny the user.

Referring to FIG. 7, a method of authenticating a mobile applicationusing biometrics is provided.

In step 710, the user may launch a biometric-enabled mobile applicationon a mobile device.

In step 720, the mobile application may prompt the user for traditionallogin information (e.g., username and password) or for biometricauthentication.

In step 730, if the user selects biometric authentication, the mobiledevice may prompt the user for biometric entry.

In step 740, the user provides at least one biometric entry. In oneembodiment, at least one image, video, etc. of at least a portion of theuser (e.g., the user's face) may be captured. In another embodiment, avoice biometric may be captured. In still another embodiment, atouch-based biometric may be captured.

Combinations of images and biometrics may be captured as is necessaryand/or desired.

In step 750, the mobile device may submit the captured data to theserver. For example, in one embodiment, the biometric and image data maybe submitted to the server.

In step 760, the server may authenticate the data.

In step 770, if the server authenticates the data, the user is logged into the mobile application. Otherwise, access is denied.

In another embodiment, biometric authentication may be used onindividual transactions. For example, for transactions that are above apre-specified threshold, biometric authentication may be required. Thethreshold may be based on a value of the transaction, a risk of atransaction, an anomaly detection algorithm, a likelihood of fraud, etc.In one embodiment, the authentication may be requested by providing amobile device with a machine readable code (e.g., QR code), near fieldcommunication, Bluetooth, etc.

In one embodiment, the use of biometric authentication may reduce thenumber of false fraud claims, as the biometric authentication is tied tothe user (e.g., image, speech, signature, combinations thereof, etc.)may be tied or linked to the user providing authentication.

Referring to FIG. 8, a method of authenticating a transaction isprovided.

In step 810, a user may attempt a transaction that may exceed apredetermined threshold. The threshold may be based on a value of thetransaction, a risk of a transaction, an anomaly detection algorithm, alikelihood of fraud, etc.

In step 820, the user is prompted for biometric authentication.

In step 830, a biometric authentication session is initiated on themobile device.

In step 840, the user completes the biometric authentication. The levelof biometric authentication may vary depending on the value of thetransaction, amount of risk, etc.

In one embodiment, the biometric authentication session may be tied tothe proposed transaction. For example, the user may be required to state“please execute transaction 556439.” The user may further be required toprovide a voice biometric or other biometric.

In step 850, the biometric and image data may be provided to the server.

In step 860, the server may authenticate or deny authentication, andtherefore, the transaction.

In step 870, the biometric data is stored and associated with thetransaction. For example, the captured image and signature, pattern,voice, etc. may be stored with the transaction file.

In one embodiment, the system may be retrained to address falserejections (e.g., rejections followed by successful passwordauthentication). For example, after a certain number of false rejections(e.g., 2), the password authentication acquired biometrics may beincorporated with higher weight to retrain the biometrics system.

In one embodiment, the user can manually initiate a retraining sessionto address changes in behavior/appearance (e.g., glasses that willdistort the eye biometrics, wearing contacts, surgery that alters theface biometrics markers, voice/health problems, etc.).

As discussed above, composite biometrics may be used. A compositebiometric may be a combination of more than one biometric. In oneembodiment, the composite biometric may include biometrics for more thanone individual. For example, instead of storing and authenticating basedon personal biometrics, composite images/profiles for groups of people(e.g. employees in the same group) with the same level of access may becreated. Thus, in one embodiment, only composite biometrics are stored,sent, and received, rather than individual profiles.

In one embodiment, composites may be based on approval chains fortransactions, shared geographic location, department, role, etc.

For similarly located persons, the proximity or relative locations ofmobile devices in the group may be used.

Once the biometrics data is captured through a mobile device, theauthentication process may match the user's captured data to thecomposites. In one embodiment, only differences from the composites aresent to the server. Thus, the mobile device may not need to storepersonalized biometrics, making it less susceptible to beingcompromised.

Referring to FIG. 9, a composite biometric capture process is provided.First, in step 910, the biometrics for User 1-User N are captured, andan individual profile is created. Next, in step 920, a compositebiometrics profile for any group of User 1-User N is created.

Referring to FIG. 10, an authentication process for multi-user compositebiometrics according to one embodiment is provided. In step 1010, User Ainitiates biometric authentication. In one embodiment, User A may beattempting to authenticate a transaction.

In step 1020, User A's biometrics may be acquired. In one embodiment,User A's biometric may be acquired using a mobile device as discussedherein.

In step 1030, User A's biometrics may be compared against a compositeprofile for a group. In one embodiment, individual biometrics may bechecked against the composite biometrics vector through calculatingdelta function and match rates. User biometrics may be weighed based on,for example, the user's specific job role, transaction details, riskfactors, environmental conditions and the quality ofbiometrics/confidence for the individual user.

In step 1040, if the User A's biometrics are not partiallyauthenticated, the process may continue to recapture User A'sbiometrics.

If User A's biometrics are partially captured, the security policy maybe checked. For example, a check may be made to ensure that User A hasauthority to authorize the transaction. In another embodiment, a checkmay be made to see if multiple users need to authorize the transaction.If, in step 1050, the security policy is met, then in step 1060,authorization is complete.

If the security policy is not met, in step 1070, User A is prompted forUser A+1 to provide biometric authentication. This may involve gettingsomeone higher on the chain to authorize the transaction, another personof the same level, etc.

In one embodiment, “interactive biometrics” may be used. In oneembodiment, an integrated biometrics process may not focus on capturingor matching based on individual modalities of biometrics such as purelyface recognition or voice recognition. Instead, it creates an integratedprofile where key markers may be tied to each other to create integratedmarkers in a multi-dimensional spatio-temporal vector space.

Referring to FIG. 11, an interactive biometric capture process isdisclosed. In step 1110, the user may initiate biometric acquisition.

In step 1120, the user's interactive biometrics may be captured. In oneembodiment, the interactive process may be a fused capture where a freeform interactive activity is translated to multiple fused biometricsprofiles on the server end. A fused process may integrate and/or linkmultiple modalities and individual features for a user.

In one embodiment, biometrics markers may be spatio-temporally linkedwith respect to other markers and environmental parameters. Examplesinclude (1) the user's facial biometrics markers while saying aselection of specific keywords; (2) the user's facial biometrics markersfor facial expressions/gestures in response to the interactive process;(3) behavioral profile during face recognition (e.g., blinks),behavioral gestures during interactive process; (4) the distance betweenuser's face to mobile device to read a set of words from the screen; (5)the user's impulse response characteristics linked to, for example,pupil sizing, face biometrics, etc. when presented with familiar imagesor images that create behavioral response such as facial gestures; and(6) an image profile that may be linked to an infrared profile duringinteractive speech.

In one embodiment, the integrated biometrics process may identify keymarker links among image/voice/behavioral, etc. data to create newfeatures for authentication. For example, markers <1-N> in image, <x-y>in voice, <p-q> in behavioral profile may create a specificspatio-temporal pattern/feature during the interactive process thatuniquely identifies the user across multiple biometrics planes.

In one embodiment, the process may execute with the user's attention. Inanother embodiment, the process may run in the background while the userperforms other tasks.

The interactive process may capture biometrics, including for example,face biometrics, iris biometrics, voice biometrics, behavioralbiometrics (through video recording), keyboard/touch screen usage, otherforms of biometrics/behavioral profiles, etc.

In step 1130, a profile for the user is created. The resultingintegrated profile may have partial biometrics for individualmodalities, such a N features out of total M features for facerecognition. Individual features in face recognition, however, may belinked to other modalities, such as voice/video based behavioralprofiling, to environmental factors, etc.

In FIG. 12, an authentication process involving integrated biometricsaccording to one embodiment is provided.

In step 1210, the user may initiate an integrated biometricsauthentication process. This may be done, for example, by using a mobileapplication executed on a mobile device.

In step 1220, the user is presented with an interactive process.

In step 1230, multiple biometrics and/or data are captured in anintegrated process. In one embodiment, this process may capture aplurality of face biometrics, iris biometrics, voice biometrics,behavioral biometrics, keyboard/touch screen usage, and otherbiometrics/data as necessary and/or desired.

In one embodiment, as part of the acquisition, biometric features anddata may be linked and analyzed with respect to each other and/orenvironmental factors, etc.

In step 1240, partial biometric features may be integrated and matchedusing, for example, corresponding matching scores. In one embodiment,the user may not be verified or authenticated in any individualmodality, but rather though an integrated linked modality. This mayprovide higher levels of security against spoofing, imposters, etc.

In one embodiment, additional security features may be used. Forexample, multiple biometrics may be captured and/or recognizedsimultaneously. In one embodiment, a user's iris and face (and othermodalities) may be recognized simultaneously. This may be accomplishedusing a mobile device's camera, for example. In another embodiment,Google Glass, or a similar device, may be used for iris recognitionusing a high-resolution image of one eye.

In another embodiment, simultaneous face recognition and finger printingmay be used. For example, thin film technology may be used to allowfinger print authentication using the mobile device touch screen. Thisenables simultaneous face recognition and finger printing, where thefingerprint and face biometrics are captured by user simply holding themobile device.

In one embodiment, customizable fused partial modes may be based on auser's geographical location and available biometrics data. For example,partial face recognition (using eye area) with voice recognition may beused. This may be useful in areas where the use of full biometrics isnot permitted.

In one embodiment, the use of full, partial, composite, etc. biometricsmay be based on user preferences. In one embodiment, the userpreferences may be set by the user, based on the user's calendar, basedon the GPS location of the mobile device, etc.

In one embodiment, machine learning based techniques may be used todetermine the modalities, thresholds, algorithms, etc. that are bestfitted to be used in that specific session based on a multi-dimensionalvector including user preferences, security settings, environmentalfactors, transaction characteristics, etc.

Referring to FIG. 13, a flowchart depicting an iris recognitiontechnique according to one embodiment is disclosed. In one embodiment,iris recognition may be a part of any of the authentication processesdisclosed herein. In another embodiment, iris authentication may be astand-alone process.

In step 1310, an iris-based authentication process is initiated. In oneembodiment, iris authentication may be a stand-alone authenticationprocedure. In another embodiment, iris authentication may be part of alarger authentication process.

In step 1320, an image, video, etc. of one or both of the user's irisesmay be captured. In one embodiment, the iris capture may be performed bythe user's mobile electronic device. In another embodiment, the iriscapture may be performed by a camera provided for a desktop or notebookcomputer. In still another embodiment, the iris capture may be performedusing any suitable camera, such as a security camera.

In one embodiment, the image or video may be captured sequentially(i.e., one after the other). In another embodiment, the image or videocapture may be performed in parallel (i.e., both irises at the sametime).

In step 1330, the captured image may be compared to iris information ina database. In one embodiment, this comparison may be performed by themobile device sending some, or all, of the image data to a server. Inanother embodiment, this comparison may be made at the mobile device.

In one embodiment, anomaly detection may be performed on the capturedimage/video. In one embodiment, this may involve checking the size ofthe irises with eye-region biometrics from the user's profile, priorauthentications, etc. Other anomaly detections may be performed asnecessary and/or desired.

In step 1340, the mobile device and/or server may determine if thecaptured image, video, etc. is a live image, video, etc. In oneembodiment, this may be performed by instructing the user, via theuser's mobile device or suitable interface, to look up, look down, crosseyes, etc. In one embodiment, the user may have a limited time (e.g., 2seconds) to respond as directed.

In another embodiment, different lighting may be used to check for alive image. For example, multiple images and/or video may be used todetect the change in pupil size in response to different lighting. Ingeneral, the size of the change in pupil size is proportional to thelevel of lighting change. Thus, in one embodiment, the lighting leveland the pupil size may be determined for different lighting levels.

In one embodiment, the user's mobile device may use its flash, changethe brightness of its screen, etc. to cause a change in lighting level.

In one embodiment, a check may be made to see if the image of thecompressed or decompressed iris is consistent with the user profile, astored image, etc. For example, the compressed or decompressed irisimage may be a systematically distorted version of the original image,where different features are distorted with different scaling factorsbased on their location. The distortion may be calculated based on anelastic band model, can be matched against a profile, etc. For matching,the user can be profiled with different lighting conditions such thatthe system acquires a number of dilation factors (e.g. 25%, 50%, 75%,100%).

In one embodiment, the images/video may be checked to determine if theuser is wearing colored contact lenses. In one embodiment, a check maybe made for a detectable pattern in the inner circle of the iris. Inanother embodiment, a check may be made for pattern changes withdifferent lighting. In another embodiment, a check may be made for outerperiphery effects of color contacts, whether there are detectable ringshadows around the iris, etc. In still another embodiment, a blinkingtest may be performed to determine if the iris is moving relative to therest of the patterns during/after blinking. Other checks, combinationsof checks, etc. may be used as necessary and/or desired.

In one embodiment, an IR image/video may be used to check theimage/video of the irises. In one embodiment, the IR image/video may bechecked against historical data.

In step 1350, if the capture is live, in step 1360, a side image, video,etc. of the iris may be captured.

If the image is not a live image, the process may start over. In anotherembodiment, the account may be locked. This may occur after, forexample, one failed attempt, a certain number of failed attempts, etc.

In step 1370, the side image may be verified. In one embodiment, thesystem may check for the clarity, transparency, etc. of the side view ofcornea. In one embodiment, biometrics data for the cornea may beverified. In still another embodiment, if color contact lenses aredetected, a check is made to determine if the color contacts block thelight in the side view.

In step 1380, if the side image is verified, the user may beauthenticated. In another embodiment, the user may proceed to additionalauthentication (biometrics and otherwise) as necessary and/or desired.

The disclosures of the following are hereby incorporated, by reference,in their entireties: U.S. patent application Ser. Nos. 13/492,126;13/297,475; 11/337,563, 12/534,167; 10/867,103; 12/715,520; 10/710,315;10/710,328; 11/294,785; and U.S. Pat. Nos. 8,028,896 and 7,117,365.

In one embodiment, a combination of both machine-based and human-basedbiometric authentication may be used.

Biometric matching algorithms may have limitations in certainmodalities, and attackers, imposters, spoofers, etc. may leverage theselimitations to design custom spoof attacks. For example, facerecognition algorithms may have limitations in low lighting conditions,or in extremely bright conditions. In either situation, it may bedifficult for the camera to “see” the features of the image that it isdetecting, or for the algorithm to distinguish among biometric markers.Attackers may seek to exploit these limitations by, for example, wearingtheater makeup, wearing masks, using pictures or replaying videos, etc.Although these attacks may be successful in defeating an algorithm-basedsystem, the human brain has dedicated face processing regions thatallows for a rapid and accurate processing to differentiate known facesfrom unknown faces. These processing regions may also detect theatermake up, impersonations, etc. that an algorithm may not detect Thus,algorithm-based biometric security systems may be enhanced by includinghuman cognition support.

In one embodiment, a system may incorporate a human cross-check as partof its biometric authentication process. For example, a humancross-check may be performed by individuals selected from a“confirmation list” of persons that may be selected by the user, theuser's employer, the party ultimately responsible for the transaction,or at random.

In one embodiment, instead of a complete biometric and environment for auser (e.g., full facial features including hair, eyes, nose, ears,surroundings, etc.), biometrics “snippets” may be generated to protectthe privacy of the user by providing only a part of the full biometric(e.g., eyes only, mouth only, face without background, upper portion offace, lower portion of face, etc.).

In another embodiment, a snippet may also be a short video clip that maybe filtered to remove any private information (e.g., background,personal details, etc.) In still another embodiment, a snippet may be anaudio record (after the details of the transaction are removed).

For example, after biometric data is captured from the user, biometricsdata may be “cleaned” for privacy concerns by removing backgroundinformation, non-biometric information (hair, etc.), background noise(e.g., surroundings, etc.), and all information that may not be relatedto the pending transaction. Multiple data snippets may then be createdbased on biometrics makers.

The system then may identify members of the user's confirmation list aswell as the corresponding “connectivity score” for each member of theconfirmation list. The connectivity score may consider, for example, arelationship between the user and reviewer (e.g., teammates, sharedoffice, shared floor, shared building, family, friend, no relation,self-identification, etc.), length of time of the relationship, the lasttime the user and reviewer had met in person, the location of the userand reviewer (e.g., co-located in same building), etc.

For example, a person on the list who has worked with the user for 10years will have a higher connectivity score than someone who has workedwith the user for 1 month. Similarly, a person who does not know theuser well, or at all (e.g., a low connectivity score) may be included onthe confidence list only to verify that the user is not using makeup, amask, a photo, etc. in an effort to defeat the algorithm. This personmay not have a high connectivity score, but may be able to confirm thatthe image of the user is genuine.

After the automated biometrics authentication starts, the securitysystem may initiate human based biometrics authentication by sending oneor more snippets to one of more contacts from the confirmation list, andthe one or more contacts are asked for confirmation. In one embodiment,this process may be “gamified” wherein the confirmation list members mayreceive points for a timely response (e.g., real-time or close toreal-time), for reporting suspicious activities, etc.

In one embodiment, the one or more snippets may be transmitted to anysuitable device, including mobile devices, desktop widgets, etc. In oneembodiment, these devices may be registered to the reviewers, and thecontacts may themselves be required to be authenticated to participate.

In one embodiment, each reviewer may receive one or more snippets thatcontain biometric data for one or more modality.

The system may then wait for one or more of selected contacts torespond. If a sufficient number of the selected contacts do not respond,or if the combined confidence level from the reviewers is below apredetermined threshold, additional contacts may be provided with thesnippets.

In one embodiment, all selected contacts must confirm the identity orauthenticity of the image of the user. In one embodiment, theconfirmation must be above a predetermined confidence level threshold.In another embodiment, a majority may only need to confirm the identityor authenticity of the image of the user. The number of confirmationsmay depend, for example, on the risk and/or value of the requestedtransaction.

After the responses are received, the responses may be compiled based onmodality and may be checked for consistency. For example, flags thatwere identified by more than one contact may lead to increased scrutiny.In cases where multiple users with high connectivity scores return lowconfidence scores, appropriate alarms may be created. Scores forindividual modalities may be crossed checked with integrated biometricsmodalities where multiple modalities are used.

The machine and human generated matching scores may then be merged, andthe transaction may be authorized, provisionally authorized, denied,etc. or held for further processing. For example, different modalitiesand biometric markers may be ranked through human and machine-basedbiometrics authentication mechanisms. Depending on the modality andbiometrics markers used, the system may receive confidence factors froma human-based authentication verification path where users rank theauthentication by assigning confidence score and providing potentialspoofing alerts, and from a machine-based authentication path whereauthentication algorithms may be used to calculate a confidence score.

In one embodiment, the transaction requested by the user may beprovisionally authorized pending the confirmation by the one or moreselected contacts.

Referring to FIG. 14, a flowchart depicting a method for multi-modalout-of-band biometric authentication through fused cross-checkingtechnique according to one embodiment is provided. In step 1402, a usermay request authentication and/or authorization. In one embodiment, theauthentication/authorization may be to access an account, to access anarea, to conduct a transaction, etc. In one embodiment, biometric data,such as an image, voice, behavior, etc. may be captured from the user.In addition, background information (e.g., location data, environmentdata, device data, etc.) may be captured.

Next, in step 1404, the system may conduct an algorithmic review of thecaptured biometric data. This may be as described, above.

In one embodiment, the algorithmic review may include determining ifhuman review is necessary. For example, the system may consider thereliability of the algorithms for the selected modality, the risk and/orvalue of the requested transaction, the time since the last human reviewof the user, or any other suitable consideration. In another embodiment,anomaly detection algorithms may trigger human-based biometricauthentication in cases where the user data does not match the profiledata. In another embodiment, high-security applications mayautomatically trigger a combination of human/machine verified biometricauthentication due to the nature of the transaction.

If human review is necessary, in step 1406, the biometric data may beprocessed for human review. In one embodiment, this may involve removingany sensitive data, such as removing background information,non-biometric information (e.g., hair, clothing, etc.), background noise(e.g., surroundings, etc.), and all information that may not be relatedto the pending transaction.

In step 1408, at least one snippet may be generated. For example, asnippet of the user's eyes only, mouth only, face without background,lower portion of the user's face, upper portion of the user's face, etc.may be generated.

In one embodiment, the snippets may be created based on machine-createdmarker flags. For example, customized biometric post-processingalgorithms may be used to identify snippets with unique characteristicsthat can be used for biometrics authentication. Such snippets mayinclude high activity periods where the user speaks, blinks, moves, etc.Snippets that are suspicious, or outliers, may be extracted and not usedfor verification.

In one embodiment, the snippets may have custom durations. The durationsmay be based on, for example, human cognition, privacy concerns, theseverity of the marker flags, etc. For example, snippets may havecustomized length to enable positive identification by human ormachine-based paths. A voice recognition verification path may require asnippet long enough for it be verified by human path (e.g. in the orderof seconds).

For human review, the snippet may include face/voice/iris/behavioralbiometrics data that is also of a customized length to enable end usersto verify the authenticity of the integrated biometrics snippet. Suchsnippets for human verification may be customized for human cognitiveabilities through known science in the field and experimental analysis,historical data, or as necessary and/or desired. For example, snippetsmay be truncated to customized lengths to protect the user's privacy(e.g., voice snippets are truncated so that they do not revealinformation on the transaction to be executed).

In another embodiment, snippets may be manually created from extracteddata. This may be based on suspicious data or activity, anomalousbehavior or other standard snippet creation techniques as describedabove.

In step 1410, one or more reviewers for the snippets may be identified.For example, the system may access a “confirmation list” for the user.This confirmation list may include individuals that know the user. Inone embodiment, the individuals on the confirmation list may beidentified by the user, by the employer, etc.

In one embodiment, the confirmation list may be automatically generatedbased on the known connectivity information. This may include, forexample, enterprise and/or external social media connectivityinformation, the user's geographical collocation in terms of sharedoffice spaces, the user's coworkers, project teammates, projectmanagement and other work connections, friends and family in trustedsystems, etc. The algorithms may rank the connectivity strength, lengthof connection, how current the connection is, etc. to determine a“connectivity score” for each human reviewer. For example, if two usersare connected through shared projects and office space for ten years andthe connection is current, the connectivity score will reflect thatconfidence as compared to a new hire who has only connected with theuser for the past two months and is located in a different city.

Each user may also be assigned a “confidence factor” based on theirhistory of successfully identifying imposters and genuine biometricsauthentication sessions. This may be achieved by collecting a historicalprofile of each human verifier and also through the gamificationinterface where the users collect points for successful authenticationsand identifying imposters. Gamification may also be achieved through themobile device/applications that the users receive biometricsverification requests.

In one embodiment, random individuals that may have no relationship withthe individual may be selected to review the snippets. In oneembodiment, these individuals may simply be selected to confirm whetherthe snippet of the user appears to be genuine and not a spoofer (i.e.,an imposter).

In one embodiment, the number of reviewers and/or threshold connectivityscore for each reviewer may be determined based on, for example, theeffectiveness of the algorithms for the selected modality, the riskand/or value of the requested transaction, the time since the last humanreview of the user, etc. For example, if a user has been using a homeoffice for the past ten years and has no human reviewers with highconnectivity scores, alternatives to face recognition, such as signaturerecognition, and/or additional reviewers may be requested.

In step 1412, once the reviewers and number of snippets are determined(note that the content of the snippets and the number of snippetsprovided to each reviewer may be different), the snippets may bedistributed to the reviewers through available communication channels.In one embodiment, the snippets may be provided to the reviewers byemail, instant message, text message, video message, or by any othersuitable communication mode and/or channel. In one embodiment, therequests may be sent for each biometric verification path.

In one embodiment, the request for verification messages may be sent tomobile devices and request immediate verification (e.g., almostreal-time) and processing of the request by the user to collect points(if used).

In one embodiment, some, or all, of the reviewers may be presented withthe identity of the user with the snippets and asked to confirm theidentity of the user. In another embodiment, some or all of thereviewers may be asked to confirm that the snippets appear to representa real person.

The reviewers may review the snippets and may assign a certainty levelto their review. The certainty level may be any suitable ranking, suchas low-medium-high; a scale of 1-10, etc. In one embodiment, thereviewers may also mark any potential spoofs.

In step 1414, responses from the reviewers may be received. In oneembodiment, all reviewers do not need to respond. For example, if onereviewer with a high connectivity score responds, that may besufficient. The required number of responses, required connectivityscore, required certainty levels, etc. may be based on, for example, theeffectiveness of the algorithms for the selected modality, the riskand/or value of the requested transaction, the time since the last humanreview of the user, etc.

In one embodiment, if a sufficient number of reviewers do not respond,if the total confidence level does not exceed a confidence levelthreshold, if the total connectivity score does not exceed aconnectivity score threshold, etc., the snippets may be sent toadditional reviewers.

In one embodiment, each response may be weighted based on, for example,the reviewer's connectivity score, the reviewer's certainty level, etc.A combined score may then calculated.

In one embodiment, a consistency check among the received responses maybe performed. In another embodiment, common flags, such as thoseassociated with common issues, may be identified. For example, if morethan one reviewer identifies anomalous data in the face recognitionmodality and returns flagged responses, additional security checks maybe required.

As another example, if responses to voice biometric snippets arereceived, and multiple reviewers indicate suspicious voice data, thesystem may assess the activity as likely being spoofing. In oneembodiment, a security flag may indicate such.

In step 1416, a verification check may be performed. In one embodiment,the algorithm-based scores and the human reviewer scores may be merged.In another embodiment, each score may be considered separately. Thescores may be checked against a certain threshold. If the scores exceedthe threshold, then in step 1418, the user may be authorized. If one ofthe scores does not exceed the threshold, in step 1420, the user may bedenied.

In another embodiment, additional review, either human or machine, maybe required.

Referring to FIG. 15, a detailed flowchart depicting a method formulti-modal out-of-band biometric authentication through fusedcross-checking technique according to one embodiment is provided.

In step 1505, biometric data may be acquired from the user.

In step 1510, multi-modal biometric algorithms may be run on thebiometric data to calculate a matching score.

In step 1515, different modalities and biometric markers may be rankedthrough human and machine-based biometrics authentication mechanisms.Depending on the modality and biometrics markers used in authentication,the system may receive confidence factors from both (1) human-basedauthentication verification, where users rank the authentication byassigning confidence score and providing potential spoofing alerts, and(2) biometrics authentication through integrated multi-modalauthentication algorithms are used to calculate confidence score. Foreach modality and marker used in authentication, the confidence factorsof individual paths are considered. For example, for a human biometricsauthentication verification path H may be provided as follows:

Σ(∀k:Bio Marker or modality)Confidence score from user C(i,k)*ConnectionWeight W(i,j,k)/Avg(Connection Weight)*Threshold for Authenticationsession) indicates the confidence score of the authentication session;

where:

-   -   C(i, k) is confidence score from user i for bio marker or        modality k;    -   W (i, j, k) indicates the connection weight between connection        i, j for the modality/bio marker of interest k;    -   Avg Connection weight is the connection weight of connection for        the user;    -   Threshold for Authentication session provides a system defined        factor to threshold—it may be specific to the type of        transaction, to employee privileges, other corporate security        settings.

For a computer verification Path C, a matching score may be provided bythe biometrics authentication algorithm.

The Overall Confidence Score may be the sum of the following:

(∀i:Bio Marker or modality)CH(i)*SH(i)+CC(i)*SC(i).

For each bio marker or modality i, a confidence score and spoofing scoremay be calculated per path and such scores are combined across pathswhere:

-   -   CH(i) is the confidence score of path H for modality or bio        marker i, SH(i) is the spoofing confidence score of Path H for        modality i;    -   CC(i) is the confidence score of Path C for modality i and SC(i)        is the spoofing confidence score of Path C for modality i.

The equation may be extended to other paths with the addition ofCA(i)*SA(i) for alternative authentication verification paths.

In step 1520, a determination may be made as to whether humancross-checking is necessary. This decision may be based on the risk,authorization sought, value of the transaction, prior experience withthe user, policies, etc.

In step 1525, if human cross-checking is not necessary, authenticationis complete and the results may be stored for analytics.

In step 1535, if human cross-checking is necessary, the integratedauthorization process is initiated.

In step 1540, the biometric data may be prepared. This may be similar tostep 1406, discussed above. In one embodiment, the data may first becleared for privacy. This may involve one or more of removing allbackground images, removing non-biometrics information (e.g., hair,accessories, etc.), removing all background noise, and removing allinformation related to location, transaction information, etc.Additional privacy clearing may be performed as necessary and/ordesired.

In step 1545, one or more data snippet may be created. This may besimilar to step 1408, discussed above. In one embodiment, the snippetsmay be created based on machine-created marker flags. For example, Nsnippets each having a duration of t_(N) may be created. This may be insingle mode or in integrated mode. In one embodiment, t_(N) may be acustom duration based on needs for human cognition, privacy, and markerflag severity.

In step 1550, the user's confirmation list may be retrieved. This may besimilar to step 1410, discussed above. In one embodiment, theconfirmation list may be stored at the corporate security server, or anyother location. In another embodiment, the user may identify individualsfor confirmation purposes at the time authentication is sought.

In one embodiment, the contacts may also be users who themselves may beverified through human interaction.

In step 1555, the connectivity score for each contact in the user'sconfirmation list may be retrieved. This may also be similar to step1410, discussed above.

In step 1560, the N snippets may be sent to M selected contacts from theconfirmation list. This may also be similar to step 1412, discussedabove. In one embodiment, this may be sent by any suitable communicationchannel, such as personal mobile devices, desktop widgets, etc. In oneembodiment, the snippets may be sent in real-time. In one embodiment,the contacts may be asked for confirmation scores.

In one embodiment, the process may be “gamified,” whereby the contactsmay report suspicious parts for points. In one embodiment, the pointsmay be awarded only when the suspicious activity is confirmed. Forexample, users may gain points for each successful verification session.They may also gain extra points for identifying spoofs, for respondingimmediately, etc. Each user may have verification profiles and rankingsbased on their historical successes. For example, some users may behigher ranked in face recognition or behavioral biometrics while othersmay be higher ranked in voice biometrics.

Contacts may also be asked to review overall biometrics authenticationsession data, such as where a user is connecting from GPS data, time forauthentication, the request for transaction, length of the session, etc.to potentially detect anomalies.

Contacts may also review the environmental factors (such as backgroundnoise, lighting, etc.) to completely disqualify the biometricsauthentication session.

In step 1565, responses from the contacts may be received. This may besimilar to step 1414, above. In one embodiment, if a sufficient numberof contacts do not respond, if the total confidence weight does notexceed a confidence weight threshold, etc. the snippets may be sent toadditional contacts.

In step 1570, a consistency check among the received responses may beperformed. This may be similar to step 1416, above. For example, if twohigh connectivity score contacts have significantly different certaintylevels, such as one indicating an unusually low certainty in voicebiometrics and high certainty in face biometrics and, while the other isexactly the opposite, the system may identify this as a potentialinconsistency.

In step 1575, a verification check may be performed. This may be similarto step 1416, above. In one embodiment, the algorithm-based scores andthe human reviewer scores may be merged. In another embodiment, eachscore may be considered separately.

In one embodiment, the verification check may include the application ofweighing factors for spoof detection. One such embodiment is illustratedin FIG. 16, described below.

In step 1580, a check for merged scores and flags is performed. In oneembodiment, the scores may be checked against a certain threshold. Ifthe scores exceed the threshold, then in step 1525, the user may beauthorized and the results may be store for analytics. If one of thescores does not exceed the threshold, in step 1585, the user may bedenied or additional checks may be performed.

Referring to FIG. 16, a method of factoring in strengths and limitationsof automated and human biometrics authentication processes is provided.In step 1605, each biometrics modality and/or biometrics marker is takeninto consideration in terms of potential spoof techniques. For example,spoof techniques for human review (e.g., makeup, photos, etc.) andmachine review (e.g., playback, etc.) may be identified.

In step 1610 and 1630, each biometrics marker/modality may be evaluatedusing historical biometrics authentication data and targetedexperiments. In step 1610, for machine spoof techniques, historicaland/or experimental data for spoof attempts is retrieved, and, in step1615, the effectiveness of the spoof detection technique/algorithm isdetermined.

In step 1620, historical and experimental data may be used to rate thesuccess rate and spoofing risk for individual modalities and/or markersfor machine-based biometrics authentication. Based on the effectiveness,a machine weight factor for the spoof detection techniques may becreated.

For example, machine-based biometrics authentication is experimentallymore successful in analyzing integrated biometrics that rely on thecross-references and precise timing among multiple modalities. Suchtiming is typically in the order of milliseconds and not suitable forhuman detection. Machine-based biometrics authentication issignificantly higher accuracy for iris recognition compared to humanbased alternative.

A similar process is performed for human spoof detection in steps1630-1640.

In step 1650, the machine weight factor and the human weight factor maybe merged. Historical and experimental data may highlight the strengthsand weaknesses of human verification. For example, face biometrics aretypically rapidly and accurately processed by high connectivityindividuals, including identifying spoofing techniques, such as theateror professional makeup, distorted/imperfect voice snippets (e.g. whenuser has nasal congestion, cold, etc.), etc.

Referring to FIGS. 17 and 18, an example of the use of a “confirmationlist” are provided according to embodiments. In this example, there arenine participants, with participant 1 being the user seekingauthentication, and participants 2-9 being potential reviewers. As thisis exemplary only, greater or fewer participants may be provided.

In one embodiment, the system may create connectivity graphs, such asthat in FIG. 17. The biometrics confirmation lists, connectivity anduser profile information may reside, for example, on the server back-endof the system and may be represented in graph database or otheralternative systems. The system may check the accuracy of this graphwith internal “who-knows-whom” databases, human resources (“HR”)records, etc. In another embodiment, the system may check social mediaconnections, such as Facebook, LinkedIn, etc. The connectivity graphsmay be maintained with updated connectivity information and biometricsauthentication sessions.

In one embodiment, each user may be represented as an “entity” in thegraph, and each connection in the connectivity list may be representedas an line having one or two arrows in the graph. In one embodiment,connections may be uni-directional. For example, a reviewer may be ableto authenticate the user, but the user may not be able to authenticatethe reviewer.

For example, if the system seeks to verify a biometrics authenticationsession for User 1, the snippets may be provided to some or all of User1's direct connections, such as Reviewers 2, 3, 4, 5 and 6. In oneembodiment, the snippets may be provided in real-time with a request torespond within a specific duration. The identity and number of reviewersmay be determined based on, for example, the transaction type, risk,level of authentication sought, etc.

Each user/reviewer relationship may have a connectivity score, such asC12 (representing the connectivity strength—the strength of therelationship between User 2 and User 1). As noted above, theconnectivity score may be based on a number of factors, including, forexample, the relationship between the users (e.g., teammates, sharedoffice, shared floors, shared building, etc.), length of relationship,last contact, self-assigned connection, and prior successful checks.

Conversely, C21 represents the strength of the relationship between User1 and User 2, which may be different from C12. This may be due to anumber of factors, such as each user's self-assignment list, historicaldata on successful biometrics session verification, etc. For example,User 2 may have vision or hearing challenges, and, despite similarconnectivity with User 1, C12 will be different from C21.

Note that the connectivity score may or may not be provided with thesnippet.

In one embodiment, each user may be associated with a biometricverification history profile indicating how successful the user was atidentifying known parties and/or spoof attempts. This may be tracked bycollecting points from the gaming interface. For example, if User K hassuccessfully identified five spoofing attempts that others could not,User K may be awarded with extra points corresponding to this success.As a result when a new biometric verification is initiated, User K mayhave a high likelihood of being selected as a verifier/reviewer.

In the example of FIG. 17, User 1's snippets are illustrated as beingsent to reviewers 2, 3, 4, 5 and 6.

Referring to FIG. 18, an illustration of a response to User 1's reviewrequest is provided. Reviewers 3, 5 and 6 have all responded to therequest, while Reviewers 2 and 4 have not.

In one embodiment, each user's response may include a certainty level(CL), a session confidence score (SC), and a spoof indicator (S). Asnoted above, the certainty level represents each reviewer's certainty inhis or her assessment of the snippets. For User 3, this value is CL13.

Next, the session confidence score of the authentication verification.This may be based on the background noise, lighting, etc. For User 3,this value SC13.

In one embodiment, the session confidence score may be part of thecertainty level.

Next, a spoofing indicator may be provided. For example, the spoofingindicator may indicate whether or not the reviewer thinks that thesnippet represents a spoof. The spoof indicator may be a flag, acomment, etc.

The total weight of the three responses (from Users 3, 5 and 6)responses may be calculated asC13*CL13*SC13+C15*CL15*SC15+C16*CL16*SC16.

In one embodiment, if this total weight exceeds a threshold, then theprocess may continue. Session confidence scores are cross checked andfactored into the total weight factors.

In one embodiment, the threshold may be based on the transaction type,risk, level of authentication sought, etc.

In one embodiment, if the total weight does not exceed the threshold,the system may wait for responses from the non-responding reviewers,additional reviewers may be identified, the user may be provisionallyapproved, etc. The action taken may depend on the risk, value, etc.associated with the authorization.

If the total weight meets or exceeds the threshold, confidence scoresfor each response may be considered. For example, each response mayinclude the responder's assigned certainty levels, such as CL13 forreviewer 3, CL15 for reviewer 5, CL16 for reviewer 6, etc. In oneembodiment, the certainty levels of one or more (or all) of thereviewers may be checked for consistency.

In one embodiment, if a reviewer provided special comments, details oncertainty level, session confidence, or other notes, this informationmay be stored for security processing.

Referring now to FIG. 19, a process flow of a high-risk transactionbiometrics cross-checking process according to one embodiment isprovided. FIGS. 20A and 20B graphically reflect aspects of this processflow, with FIG. 20A reflecting the complementary authorization of users1, 2 and 3, and FIG. 20B reflecting the authorization of users 1, 2, and3 by user L.

First, in step 1905, User 1 may be authenticated by the security serverusing machine analysis of biometrics as described above.

In step 1910, User 2 may be also authenticated by the security serverusing machine analysis of biometrics as described above.

In step 1915, User 1 may be authenticated by User 2 using humancross-checking, as described above. As a result, User 2 may earn points.

In one embodiment, additional users (e.g., User N) may also authenticateUser 1 using human cross-checking as described above, and may earnpoints.

In step 1920, User 3 may be authenticated by the security server usingmachine analysis of biometrics as described above.

In step 1925, User 2 may be authenticated by User 3 (and Users M) usinghuman cross-checking, as described above. As a result, User 3 and UsersM may earn points.

In step 1930, User 3 may be authenticated by User 1 (and Users K) usinghuman cross-checking, as described above. As a result, User 1 and UsersK may earn points.

In step 1935, User L may authenticate Users 1, 2, and 3 using humancross-checking, as described above. In one embodiment, User L may be asupervisor for Users 1, 2 and 3. In another embodiment, User L may berandomly selected. Any suitable User L may be used as necessary and/ordesired.

As a result, User L may earn points.

Hereinafter, general aspects of implementation of the systems andmethods of the invention will be described.

The system of the invention or portions of the system of the inventionmay be in the form of a “processing machine,” such as a general purposecomputer, for example. As used herein, the term “processing machine” isto be understood to include at least one processor that uses at leastone memory. The at least one memory stores a set of instructions. Theinstructions may be either permanently or temporarily stored in thememory or memories of the processing machine. The processor executes theinstructions that are stored in the memory or memories in order toprocess data. The set of instructions may include various instructionsthat perform a particular task or tasks, such as those tasks describedabove. Such a set of instructions for performing a particular task maybe characterized as a program, software program, or simply software.

As noted above, the processing machine executes the instructions thatare stored in the memory or memories to process data. This processing ofdata may be in response to commands by a user or users of the processingmachine, in response to previous processing, in response to a request byanother processing machine and/or any other input, for example.

As noted above, the processing machine used to implement the inventionmay be a general purpose computer. However, the processing machinedescribed above may also utilize any of a wide variety of othertechnologies including a special purpose computer, a computer systemincluding, for example, a microcomputer, mini-computer or mainframe, aprogrammed microprocessor, a micro-controller, a peripheral integratedcircuit element, a CSIC (Customer Specific Integrated Circuit) or ASIC(Application Specific Integrated Circuit) or other integrated circuit, alogic circuit, a digital signal processor, a programmable logic devicesuch as a FPGA, PLD, PLA or PAL, or any other device or arrangement ofdevices that is capable of implementing the steps of the processes ofthe invention.

The processing machine used to implement the invention may utilize asuitable operating system. Thus, embodiments of the invention mayinclude a processing machine running the iOS operating system, the OS Xoperating system, the Android operating system, the Microsoft Windows™ 8operating system, Microsoft Windows™ 7 operating system, the MicrosoftWindows™ Vista™ operating system, the Microsoft Windows™ XP™ operatingsystem, the Microsoft Windows™ NT™ operating system, the Windows™ 2000operating system, the Unix operating system, the Linux operating system,the Xenix operating system, the IBM AIX™ operating system, theHewlett-Packard UX™ operating system, the Novell Netware™ operatingsystem, the Sun Microsystems Solaris™ operating system, the OS/2™operating system, the BeOS™ operating system, the Macintosh operatingsystem, the Apache operating system, an OpenStep™ operating system oranother operating system or platform.

It is appreciated that in order to practice the method of the inventionas described above, it is not necessary that the processors and/or thememories of the processing machine be physically located in the samegeographical place. That is, each of the processors and the memoriesused by the processing machine may be located in geographically distinctlocations and connected so as to communicate in any suitable manner.Additionally, it is appreciated that each of the processor and/or thememory may be composed of different physical pieces of equipment.Accordingly, it is not necessary that the processor be one single pieceof equipment in one location and that the memory be another single pieceof equipment in another location. That is, it is contemplated that theprocessor may be two pieces of equipment in two different physicallocations. The two distinct pieces of equipment may be connected in anysuitable manner. Additionally, the memory may include two or moreportions of memory in two or more physical locations.

To explain further, processing, as described above, is performed byvarious components and various memories. However, it is appreciated thatthe processing performed by two distinct components as described abovemay, in accordance with a further embodiment of the invention, beperformed by a single component. Further, the processing performed byone distinct component as described above may be performed by twodistinct components. In a similar manner, the memory storage performedby two distinct memory portions as described above may, in accordancewith a further embodiment of the invention, be performed by a singlememory portion. Further, the memory storage performed by one distinctmemory portion as described above may be performed by two memoryportions.

Further, various technologies may be used to provide communicationbetween the various processors and/or memories, as well as to allow theprocessors and/or the memories of the invention to communicate with anyother entity; i.e., so as to obtain further instructions or to accessand use remote memory stores, for example. Such technologies used toprovide such communication might include a network, the Internet,Intranet, Extranet, LAN, an Ethernet, wireless communication via celltower or satellite, or any client server system that providescommunication, for example. Such communications technologies may use anysuitable protocol such as TCP/IP, UDP, or OSI, for example.

As described above, a set of instructions may be used in the processingof the invention. The set of instructions may be in the form of aprogram or software. The software may be in the form of system softwareor application software, for example. The software might also be in theform of a collection of separate programs, a program module within alarger program, or a portion of a program module, for example. Thesoftware used might also include modular programming in the form ofobject oriented programming. The software tells the processing machinewhat to do with the data being processed.

Further, it is appreciated that the instructions or set of instructionsused in the implementation and operation of the invention may be in asuitable form such that the processing machine may read theinstructions. For example, the instructions that form a program may bein the form of a suitable programming language, which is converted tomachine language or object code to allow the processor or processors toread the instructions. That is, written lines of programming code orsource code, in a particular programming language, are converted tomachine language using a compiler, assembler or interpreter. The machinelanguage is binary coded machine instructions that are specific to aparticular type of processing machine, i.e., to a particular type ofcomputer, for example. The computer understands the machine language.

Any suitable programming language may be used in accordance with thevarious embodiments of the invention. Illustratively, the programminglanguage used may include assembly language, Ada, APL, Basic, C, C++,COBOL, dBase, Forth, Fortran, Java, Modula-2, Pascal, Prolog, REXX,Visual Basic, and/or JavaScript, for example. Further, it is notnecessary that a single type of instruction or single programminglanguage be utilized in conjunction with the operation of the system andmethod of the invention. Rather, any number of different programminglanguages may be utilized as is necessary and/or desirable.

Also, the instructions and/or data used in the practice of the inventionmay utilize any compression or encryption technique or algorithm, as maybe desired. An encryption module might be used to encrypt data. Further,files or other data may be decrypted using a suitable decryption module,for example.

As described above, the invention may illustratively be embodied in theform of a processing machine, including a computer or computer system,for example, that includes at least one memory. It is to be appreciatedthat the set of instructions, i.e., the software for example, thatenables the computer operating system to perform the operationsdescribed above may be contained on any of a wide variety of media ormedium, as desired. Further, the data that is processed by the set ofinstructions might also be contained on any of a wide variety of mediaor medium. That is, the particular medium, i.e., the memory in theprocessing machine, utilized to hold the set of instructions and/or thedata used in the invention may take on any of a variety of physicalforms or transmissions, for example. Illustratively, the medium may bein the form of paper, paper transparencies, a compact disk, a DVD, anintegrated circuit, a hard disk, a floppy disk, an optical disk, amagnetic tape, a RAM, a ROM, a PROM, an EPROM, a wire, a cable, a fiber,a communications channel, a satellite transmission, a memory card, a SIMcard, or other remote transmission, as well as any other medium orsource of data that may be read by the processors of the invention.

Further, the memory or memories used in the processing machine thatimplements the invention may be in any of a wide variety of forms toallow the memory to hold instructions, data, or other information, as isdesired. Thus, the memory might be in the form of a database to holddata. The database might use any desired arrangement of files such as aflat file arrangement or a relational database arrangement, for example.

In the system and method of the invention, a variety of “userinterfaces” may be utilized to allow a user to interface with theprocessing machine or machines that are used to implement the invention.As used herein, a user interface includes any hardware, software, orcombination of hardware and software used by the processing machine thatallows a user to interact with the processing machine. A user interfacemay be in the form of a dialogue screen for example. A user interfacemay also include any of a mouse, touch screen, keyboard, keypad, voicereader, voice recognizer, dialogue screen, menu box, list, checkbox,toggle switch, a pushbutton or any other device that allows a user toreceive information regarding the operation of the processing machine asit processes a set of instructions and/or provides the processingmachine with information. Accordingly, the user interface is any devicethat provides communication between a user and a processing machine. Theinformation provided by the user to the processing machine through theuser interface may be in the form of a command, a selection of data, orsome other input, for example.

As discussed above, a user interface is utilized by the processingmachine that performs a set of instructions such that the processingmachine processes data for a user. The user interface is typically usedby the processing machine for interacting with a user either to conveyinformation or receive information from the user. However, it should beappreciated that in accordance with some embodiments of the system andmethod of the invention, it is not necessary that a human user actuallyinteract with a user interface used by the processing machine of theinvention. Rather, it is also contemplated that the user interface ofthe invention might interact, i.e., convey and receive information, withanother processing machine, rather than a human user. Accordingly, theother processing machine might be characterized as a user. Further, itis contemplated that a user interface utilized in the system and methodof the invention may interact partially with another processing machineor processing machines, while also interacting partially with a humanuser.

It will be readily understood by those persons skilled in the art thatthe present invention is susceptible to broad utility and application.Many embodiments and adaptations of the present invention other thanthose herein described, as well as many variations, modifications andequivalent arrangements, will be apparent from or reasonably suggestedby the present invention and foregoing description thereof, withoutdeparting from the substance or scope of the invention.

Accordingly, while the present invention has been described here indetail in relation to its exemplary embodiments, it is to be understoodthat this disclosure is only illustrative and exemplary of the presentinvention and is made to provide an enabling disclosure of theinvention. Accordingly, the foregoing disclosure is not intended to beconstrued or to limit the present invention or otherwise to exclude anyother such embodiments, adaptations, variations, modifications orequivalent arrangements.

We claim:
 1. A method for integrated biometric authentication,comprising: receiving, from a user, biometric data; at least onecomputer processor performing machine-based biometric matching on thebiometric data; the at least one computer processor determining thathuman identity confirmation is necessary; the at least one computerprocessor processing the biometric data; the at least one computerprocessor identifying at least one contact for human identityconfirmation; the at least one computer processor sending at least aportion of the processed biometric data for the user to the at least onecontact; receiving, from the at least one contact, human confirmationinformation; and the at least one computer processor authenticating theuser based on the machine-based biometric matching and the humanconfirmation information.
 2. The method of claim 1, wherein themachine-based biometric matching comprises: the at least one computerprocessor using at least one algorithm to compare the biometric data toa stored biometric profile for the user.
 3. The method of claim 1,wherein the step of determining that human identity confirmation isnecessary comprises: the at least one computer processor determining areliability of at least one algorithm in comparing the biometric data toa stored biometric profile of the user; and the at least one computerprocessor initiating human identity confirmation in response to thereliability of at least one algorithm being below a predeterminedthreshold.
 4. The method of claim 1, wherein the step of determiningthat human identity confirmation is necessary comprises: the at leastone computer processor determining the risk or value of a transactionassociated with the authentication; and the at least one computerprocessor initiating human identity confirmation in response to the riskor value being above a predetermined threshold.
 5. The method of claim1, wherein the step of determining that human identity confirmation isnecessary comprises: the at least one computer processor determining thepresence of an anomaly in the biometric data.
 6. The method of claim 1,wherein the step of processing the biometric data comprises: the atleast one computer processor removing background data from the biometricdata.
 7. The method of claim 1, wherein the step of processing thebiometric data comprises: the at least one computer processor removingbackground noise from the biometric data.
 8. The method of claim 1,wherein the step of processing the biometric data comprises: the atleast one computer processor removing non-biometric data from thebiometric data.
 9. The method of claim 1, wherein the step of processingthe biometric data comprises: the at least one computer processorgenerating at least one snippet from the biometric data.
 10. The methodof claim 9, wherein the at least one snippet comprises biometric datafrom a portion of the user's face.
 11. The method of claim 9, whereinthe at least one snippet comprises biometric data from a portion of avoice submission from the user.
 12. The method of claim 9, wherein theat least one snippet is generated based on at least one machine-createdmarker flag.
 13. The method of claim 1, wherein the step of identifyingat least one contact for human identity confirmation comprises: the atleast one computer processor retrieving a confirmation list for theuser, the contact list comprising an identity and contact informationfor contacts known to the user.
 14. The method of claim 13, wherein theconfirmation list is automatically generated based on connectivityinformation for the user.
 15. The method of claim 13, wherein eachindividual on the confirmation list is associated with a connectivityscore based on the contact's connection with the user.
 16. The method ofclaim 15, wherein the connectivity score is based on at least one of arelationship between the user and the individual, a length of arelationship between the user and the individual, a date of the lastin-person interaction between the user and the individual, and alocation of the user and the individual.
 17. The method of claim 15,wherein each contact on the confirmation list is further associated witha confidence factor based on the individual's history of confirmation.18. The method of claim 1, wherein the step of receiving, from the atleast one contact, human confirmation information comprises: receiving aresponse and a response confidence level from the contact.
 19. Themethod of claim 18, wherein the step of authenticating the user based onthe machine-based biometric matching and the human confirmationinformation comprises: the at least one computer processor weightingeach response based on at least one of a connectivity score for thecontact and the response confidence level.
 20. A method for factoring indetermining a weighting to give to a biometric authentication process,comprising: retrieving historical data related to a detection techniqueused to detect fraudulent access attempts using biometric data for amodality; at least one computer processor determining an effectivenessof the detection technique; and at least one computer processorgenerating a weighting factor for the modality.
 21. The method of claim20, wherein the historical data comprises experimental data.
 22. Themethod of claim 20, wherein the detection technique is a machine-baseddetection technique.
 23. The method of claim 20, wherein the detectiontechnique is a human-based detection technique.
 24. A method formulti-party authentication, comprising: receiving, from a first party, arequest for authentication and first party biometric data; at least onecomputer processor machine authenticating the first party using thefirst party biometric data; receiving, from a second party, a requestfor authentication and second party biometric data; the at least onecomputer processor machine authenticating the second party using thesecond party biometric data; the at least one computer processorprocessing the first party biometric data; the at least one computerprocessor sending at least a portion of the processed first partybiometric data to the second party; receiving, from the second party,second party confirmation information for the first party; and the atleast one computer processor authenticating the first party based on themachine authentication of the first party and the second partyconfirmation information for the first party.
 25. The method of claim24, further comprising: receiving, from a third party, a request forauthentication and third party biometric data; the at least one computerprocessor machine authenticating the third party using the second partythird data; the at least one computer processor processing the secondparty biometric data; the at least one computer processor sending atleast a portion of the processed second party biometric data to thethird party; receiving, from the third party, third party confirmationinformation for the second party; and the at least one computerprocessor authenticating the second party based on the machineauthentication of the second party and the third party confirmationinformation for the second party.
 26. The method of claim 24, furthercomprising: the at least one computer processor sending at least aportion of the processed second party biometric data to a fourth party;receiving, from the fourth party, fourth party confirmation informationfor the second party; and the at least one computer processor furtherauthenticating the second party based on the machine authentication ofthe second party and the fourth party confirmation information for thesecond party.